Search found 1149 matches

by lazydavid
Fri Nov 24, 2017 10:29 pm
Forum: Personal Consumer Issues
Topic: best cordless drill??
Replies: 31
Views: 1597

Re: best cordless drill??

The absolute best? Festool. Hands down. But the do cost a fortune. Festool makes some great stuff, no doubt. But my first reaction to that product page is "holy cow here's some Ryobi stuff at 10x the price". I'm sure it's great stuff since they don't make junk. But boy do they make it look like junk.
by lazydavid
Fri Nov 24, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 149
Views: 9384

Re: Help DW gets fired, but then next day her boss offers her job back

No labor law expert here - BUT an employer cannot just decide this. The requirements are (or should be) based on compliance with the details of the law and regulations - and the job she actually does. The laws are there to prevent employers from taking advantage of employees who should be hourly by...
by lazydavid
Fri Nov 24, 2017 6:19 am
Forum: Personal Consumer Issues
Topic: Which model treadmill to buy
Replies: 15
Views: 1009

Re: Which model treadmill to buy

Bring some clothes with you to the store. Drape them over each model you're considering. Buy the one that looks the best. :mrgreen:
by lazydavid
Fri Nov 24, 2017 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Filing Illinois Income Taxes Online
Replies: 11
Views: 821

Re: Filing Illinois Income Taxes Online

Agree with the above. Filing with Illinois is the easiest part of the whole tax prep process for me. Just skip the wizard and select the fillable form instead, then copy the numbers from the form generated by your tax prep software. Takes maybe 3 minutes.
by lazydavid
Tue Nov 21, 2017 8:20 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle, the world's richest man
Replies: 25
Views: 4926

Re: Jack Bogle, the word's richest man

Kenkat wrote:
Mon Nov 20, 2017 7:31 pm
The only difference is that those guys earned it first and then gave it back. Jack Bogle was crazy enough to never charge for it to begin with. (I mean crazy in the best way possible)
I'd categorize that as a distinction without a difference, but I see where you're coming from.
by lazydavid
Tue Nov 21, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Microsoft account security alert email.....real or fake??
Replies: 15
Views: 720

Re: Microsoft account security alert email.....real or fake??

live.com is a microsoft domain, and the one associated with their user account management. However, as others have stated, go directly there, do not click the link. I usually go to login.live.com (that's where you'll be redirected anyway). There should be a security center or something of that liken...
by lazydavid
Tue Nov 21, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Recommend a daily driver
Replies: 43
Views: 1820

Re: Recommend a daily driver

bloom2708 wrote:
Tue Nov 21, 2017 10:45 am
Find a low mileage, one owner Lexus LS 430.
Doesn't even have to be low-mileage as long as it hasn't been offroaded or turned into a hoopty ("VIP style" is very popular with these). The LS430 is arguably the best car Lexus has ever made. Those things will run forever.
by lazydavid
Tue Nov 21, 2017 6:06 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 105
Views: 11497

Re: The valet smashed my Tesla into a brick wall!

I'm so sorry to hear this. Unfortunately, I think you and your insurance company may need to go after the valet service and their insurance pretty hard. Research the law before pushing too hard, or you may not get anything. Legally, there are two things that can happen when you give your keys to so...
by lazydavid
Mon Nov 20, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Recommend a daily driver
Replies: 43
Views: 1820

Re: Recommend a daily driver

Ok then. The answer is always Miata. You messed up the acronymn! M iata I s A lways T he A nswer If it were me, I'd go for a 328d. Great fuel economy (45+ highway), and still a little bit fun to drive. Way down on HP compared to your M3, but pretty close in the torque department--and can hit 350-38...
by lazydavid
Mon Nov 20, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 67
Views: 3634

Re: Michelin or Bridgestone?

But it's equipped with 6-piston calipers Do you really think that those makes your car stop sooner? Considering it stops 5 feet shorter than a substantially lighter version of the same car without them? Yes. Both numbers from Motor Trend. What kind of source is "carsort.com"? Upon further inspectio...
by lazydavid
Mon Nov 20, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: internet browsers and free software?
Replies: 7
Views: 569

Re: internet browsers and free software?

As I recall, quite slow in mounting a USB drive. Been a month or two since Iast used it. Otherwise, its gui is like a clone of TC The reason it's "like a clone" is because it's a further-developed version of the same software. When TrueCrypt was suddenly abandoned right around the time that a full ...
by lazydavid
Mon Nov 20, 2017 11:55 am
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 5939

Re: Drive it till it dies. It died.

Why would you buy a newer version of a car that just had a transmission failure at 140k? I would be inclined to never buy Nissan again. This. It is not normal for a 7-8 year old car to be totaled out due to maintenance/wear. I can't imagine why, after experiencing a transmission failure essentially...
by lazydavid
Mon Nov 20, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Snow tires- are Hankooks any good?
Replies: 18
Views: 1009

Re: Studded vs. non-studded snow tires for MA

I live in Western MA. Most of my winter driving is highway driving between MA and NYC on weekends. Otherwise it is largely limited to driving around town a few times a week. I am very rarely on country roads in the winter. Would you recommend studded or non-studded snow tires, and why? I would avoi...
by lazydavid
Mon Nov 20, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 67
Views: 3634

Re: Michelin or Bridgestone?

If you're concerned with stopping distances, the size of the car matters far more than whatever kind of tires you have on it. If I had to stop short, I'd bet on the sedan with 800 grade treadwear tires over an SUV with the softest tires you can find. That's moving the goalposts just a tad. Any give...
by lazydavid
Mon Nov 20, 2017 6:40 am
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 67
Views: 3634

Re: Michelin or Bridgestone?

The Bridgestone Ecopia is an excellent tire. I got 100k miles out of my first set (EP422) and judging by the wear rate on my current set (EP422+) I should get 100k miles out of these too. There are differing definitions of excellent. I would never even consider trusting my family's life to a tire t...
by lazydavid
Mon Nov 20, 2017 6:14 am
Forum: Personal Consumer Issues
Topic: Are expensive tires worth it?
Replies: 42
Views: 2483

Re: Are expensive tires worth it?

Looking for new tires for my Toyota Highlander. I can get 4 Michelin's (LTX defender) out the door for $722 from Discount Tire (with the rebate). The other name brands aren't much less. Are the Michelin's worth the extra money OR is it better just to go with the generic? You might be able to get th...
by lazydavid
Sun Nov 19, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 16460

Re: Flying first class, business, versus economy.

I just looked for a flight from LAX to NRT Economy $1200 First class $10,175 On the same flight at that... Agreed, I wouldn't pay that, I'd probably use miles (between the wife and I we have ~1.5 million). Is this a 2-class or 3-class flight? I doubt we'd pay for legit FC on a 3-class flight, but w...
by lazydavid
Sun Nov 19, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 5489

Re: How much do you budget for vacation?

We usually spend $25-35k per year, $5k of which is maintenance fees on our timeshares. That's typically one 2.5 week trip, one of a week or so, and a handful of long weekends. Fly only first/business the 1-2 times we do fly. Gross income will probably be $325k this year, roughly $115k of which actua...
by lazydavid
Sun Nov 19, 2017 11:44 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle, the world's richest man
Replies: 25
Views: 4926

Re: Jack Bogle, the word's richest man

How many people in the history of the world gave up billions to help others? I can think of only one. Nice thought, but not even remotely close. Bill Gates donated $4.6 Billion in a single month (June 2017) to combat malaria. This is part of a decades-long history of philanthropy. The foundation th...
by lazydavid
Sat Nov 18, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Car shopping tomorrow
Replies: 61
Views: 5204

Re: Car shopping tomorrow

If you're leaning strongly towards leasing a compact car, consider the Chevy Cruze. There have been some absolutely insane lease deals on them recently. Like $109/mo with $0 down crazy.
by lazydavid
Thu Nov 16, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 16460

Re: Flying first class, business, versus economy.

Cruise wrote:
Thu Nov 16, 2017 2:25 am
Out of curiosity, I checked the mileage differential for award tickets on a route that I just booked for late 2018. Business saver "cost" 1.86 the mileage compared to economy saver.
That's not bad at all. Since we have a massive pile of miles, we'd probably go that route.
by lazydavid
Thu Nov 16, 2017 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 36604

Re: Did you tell anyone you paid off your mortgage?

Also consider this: The asset will never be underwater. I t can always be sold at a profit if it is paid off. Incorrect. It can always be sold to raise cash . That has NOTHING to do with profit. Profit is revenue from sale less acquisition cost. I think the best argument for paying off your mortgag...
by lazydavid
Wed Nov 15, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 16460

Re: Flying first class, business, versus economy.

I put in ORD-CDG using 1/9-1/16 and it was $2600 for business and $380 for economy. So I guess it depends when you go. I did +-3 days to see if it changed much and $2600 was the cheapest business and $380 was the cheapest economy. First class had $7054 as the cheapest. I used Kayak to search. We te...
by lazydavid
Wed Nov 15, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 16460

Re: Flying first class, business, versus economy.

I am not sure at what salary point I would need to be at in order to pay 5-10 times the price of coach to fly first class. We only fly Business/First for leisure travel, for the past 4-5 years now. We've never paid, nor even seen a 5-10x multiple. Most of the time it's around 2x. Now granted, we ha...
by lazydavid
Tue Nov 14, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 76
Views: 5657

Re: Costco for tires and car insurance?

The tires I want would have to be ordered which it says 5-10 business days. I wonder how that works with the 1 cent install sale since the tires wouldn't be at the club ready for install until after the sale. Anybody done this? If you are ordering online and shipping to a club, you are charged for ...
by lazydavid
Mon Nov 13, 2017 6:06 am
Forum: Personal Finance (Not Investing)
Topic: Isn't it safer to NOT sign Credit card?
Replies: 97
Views: 6283

Re: Isn't it safer to NOT sign Credit card?

OK - so if this is so important, how is this signature verified for online purchases? Answer: It isn't. So if the signature is not verified for online purchases, why would it have to be verified for in-person purchases? Face reality. In most cases, it doesn't make a bit of difference if you sign it...
by lazydavid
Fri Nov 10, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Steam Oven vs Microwave?
Replies: 7
Views: 546

Re: Steam Oven vs Microwave?

A steam oven is nothing like, and is not a replacement for, a microwave. It does an excellent job of steaming food (vegetables, seafood, tamales, etc), roasting meats or seafood, and proofing/baking bread. It is not much faster than an oven, just produces better quality results in certain scenarios....
by lazydavid
Fri Nov 10, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 76
Views: 5657

Re: Costco for tires and car insurance?

I only buy tires at Costco, and actually just ordered a replacement set of winters this morning. Yesterday through next Thursday they're running a promotion where, in addition to the $70 off 4 Bridgestones (an almost continuous discount that oscillates between Bridgestone and Michelin), installation...
by lazydavid
Thu Nov 09, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: what pickup truck
Replies: 65
Views: 4832

Re: what pickup truck

how much towing capacity, both in the bed and on the hitch, then examine what vehicles match your requirements. Then examine reliability (anecdotally, seen more issues with rams than with Chevy or Ford and the tundras may not have enough towing capacity even with the 5.4 L ( can handle smaller load...
by lazydavid
Thu Nov 09, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Coffee
Replies: 51
Views: 3873

Re: Coffee

Problem is unless you are drinking it black you are loading it up with sugars and cremes that make it unhealthy. Doesn't have to be that way. When I went Paleo 5 or 6 years ago, I swapped heavy cream and Stevia for a touch of Coconut Milk. All of Coconut Milk's fat can be directly burned for energy...
by lazydavid
Wed Nov 08, 2017 6:15 am
Forum: Personal Consumer Issues
Topic: Business Laptop Suggestions Request
Replies: 36
Views: 2978

Re: Business Laptop Suggestions Request

This is pretty much the perfect all around non gaming laptop deal for now... 8th generation quad core with 8 threads! 256GB SSD, 8GB RAM, 1080p screen for $520 ... No way you can beat the specs for the price. I beg to differ. It might be cheap, but that doesn't mean it's a deal. I would never recom...
by lazydavid
Tue Nov 07, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: messages to mobile hotspot?
Replies: 8
Views: 530

Re: messages to mobile hotspot?

A hotspot has a SIM and a mobile number, so I suppose it should be technically possible to deliver SMS to it. But after having carried various different models for the past decade, I've certainly never received any messages or even seen a function in the menu where one could be viewed. There certain...
by lazydavid
Tue Nov 07, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Fair Price for a Kitchen Remodel
Replies: 34
Views: 2941

Re: Fair Price for a Kitchen Remodel

Definitely seems high, as it's nearly double what we paid 4 years ago for: Complete teardown to the studs, all appliances removed One half-wall removed, one increased in height to accommodate breakfast bar Flooring kept, some additional installed under cabinets and where half wall removed 7 new outl...
by lazydavid
Tue Nov 07, 2017 10:29 am
Forum: Investing - Theory, News & General
Topic: "$1 Million is Closer Than You Think"
Replies: 54
Views: 9356

Re: "$1 Million is Closer Than You Think"

Starting point $912,000, chances of reaching $1M in 5 years: 64%
Starting point $913,000, chances of reaching $1M in 5 years: 95%+

I guess every little bit DOES matter!
by lazydavid
Tue Nov 07, 2017 9:26 am
Forum: Investing - Theory, News & General
Topic: Lowering taxes on business in the US
Replies: 17
Views: 1351

Re: Lowering taxes on business in the US

In before the lock. The theory is that lower corporate tax rates will reduce the incentive to shelter income in offshore subsidiaries and declare more profits in the US. Unfortunately, the theory is hogwash. To make up some numbers and avoid any politicking, let's say that I proposed reducing the av...
by lazydavid
Tue Nov 07, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: Car battery?
Replies: 53
Views: 3472

Re: Car battery?

I generally follow the advice of my auto shop teacher in high school (does anybody else remember auto shop in high school? :happy ) "Figure out the biggest size battery that will fit in that space, and buy the heaviest one you can find." Yep, have done this in both of my BMWs. My current E90 comes ...
by lazydavid
Tue Nov 07, 2017 6:19 am
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 42
Views: 3155

Re: Heavy duty cordless drill/hammerdrill recommendation

If you can find other uses for a compressor, air-driven impact wrenches are usually best. If not, I'd go corded electric. Cheaper, lighter, and more powerful than the battery ones (at least until you get into the REALLY expensive battery ones). But first at least attempt the breaker bar with a cheat...
by lazydavid
Mon Nov 06, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Climate controlled cars - Useful or Useless?
Replies: 49
Views: 2111

Re: Climate controlled cars - Useful or Useless?

Don't even get me started about the lack of true "vent" windows on cars these days! Lol, I had completely forgotten about those! Also known as the "we don't know how to make a non-rectangular window that goes up and down, so here's this triangular thing with a bizarre latching mechanism that will w...
by lazydavid
Mon Nov 06, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 42
Views: 3155

Re: Heavy duty cordless drill/hammerdrill recommendation

Pretty much any brand/voltage will provide an impact driver . This has a 1/4" hex chuck, and is an ideal tool for driving and removing fasteners in non-delicate materials. Way less stress on your hand, and less likely to strip the bit or fastener. Generally only the higher-end brands will have an im...
by lazydavid
Mon Nov 06, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Climate controlled cars - Useful or Useless?
Replies: 49
Views: 2111

Re: Climate controlled cars - Useful or Useless?

For example if I get in a cold car, do I set it to MAX temp or just the temp I eventually want it to be, i.e 70F? Yes set it to the desired temp, and let it take care of it for you. It boggles the mind how even people who work at the dealer--and should therefore know better--set the controls to HI/...
by lazydavid
Mon Nov 06, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Did I earn an extra hour of interest last night?
Replies: 56
Views: 3973

Re: Did I earn an extra hour of interest last night?

Mudpuppy wrote:
Sun Nov 05, 2017 12:32 pm
I don't know many courts of law that would be in operation during the 1:00am/2:00am/1:00am local time shift.
The court's typical hours of operation have absolutely no bearing on when the events described during the hearings in those courtrooms actually occurred.
by lazydavid
Mon Nov 06, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1894

Re: Has anyone bought a Samsung Note 8?

Thank you. To save Boglehead's space, I removed some of the content of your post. I'll have to reread and learn a lot from your thread. I know that even on my Note 5, there was a Pro Mode that allowed me to use many of the same features of my DSLR in manual mode. I'm thrilled with the dual rear cam...
by lazydavid
Mon Nov 06, 2017 6:11 am
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1894

Re: Has anyone bought a Samsung Note 8?

Got my Note 8 for half price and a week before launch because I had owned the Note 7, which I still regret having to give up--it was THAT good. I actually considered importing a Note Fan Edition (Refurb Note 7 with smaller battery), but $900 for a year-old flagship with a crippled battery was too ri...
by lazydavid
Mon Nov 06, 2017 5:52 am
Forum: Investing - Theory, News & General
Topic: "Probably the World's Best Investment Forum"
Replies: 34
Views: 4735

Re: "PROBABLY THE WORLD'S BEST INVESTMENT FORUM"

I like the use of the qualifier "probably". It reminds me of a shoe store in town that advertised itself as having "probably the lowest prices in town". I bought my shoes there for years just based on that one advertisement in their window. Seems to me like a take on The Chive's tagline, "Probably ...
by lazydavid
Wed Nov 01, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off, 401k rolled to IRA. What are my limits on 401k w/ new employer?
Replies: 9
Views: 628

Re: Laid off, 401k rolled to IRA. What are my limits on 401k w/ new employer?

Some employers will let you set an explicit cap at an arbitrary figure less than $18k, and automatically stop your contributions when you hit that value. Many will not. For those that don't, you'd need to figure out how much you can contribute per paycheck to wind up at a total for the year that is ...
by lazydavid
Wed Nov 01, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Getting matching 401k contributions from 2 employers
Replies: 5
Views: 831

Re: Getting matching 401k contributions from 2 employers

Leaving aside the question of whether Company A will return the excess contributions (which is a valid question), I think it's unlikely that this scheme would result in scamming them. Just some simple math: Company A matches 100% up to $5k. So you need to contribute at least $5k to get the maximum m...
by lazydavid
Wed Nov 01, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: Replace or Repair Car and Replacement Options
Replies: 15
Views: 1161

Re: Replace or Repair Car and Replacement Options

The BRZ/FT-86 are supposed to be great driving cars, IF you can get in them. I haven't driven one, because I can't. They're really small.

I would definitely replace, and if you want to stay sporty, look at things like the Civic Si, VW GTI, Ford Fiesta or Focus ST, Subaru WRX.
by lazydavid
Wed Nov 01, 2017 5:18 am
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 79
Views: 5602

Re: Password Protection

No, way more secure. That is because only you have the encrypted file's password, not Dropbox, Lastpass, etc. The only time you enter it is locally, on your computer, offline. Nobody else ever has your password. It never leaves you. You never send it over the internet or anywhere. It never resides,...
by lazydavid
Tue Oct 31, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Breaking point to get a new to newish car
Replies: 59
Views: 3407

Re: Breaking point to get a new to newish car

While you are deciding what to do, put a bottle of this in your gas tank: Chevron 65740 Techron Concentrate Plus Fuel System Cleaner. It may help. Unfortunately, now that most cars (including the OP's 335i) are Direct Injected, Fuel detergent additives are very close to useless. It's like putting a...
by lazydavid
Tue Oct 31, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 84
Views: 5488

Re: New Car: Ever make sense to lease?

As @Fragglerock mentioned....EVs Cars and the car market are changing rapidly. This will significantly affect things like resale on cars in 5-10 years. If someone said that the KBB value of sedans was going to be halved in 5-7 years, does buying new at the current price still make sense? I'm afraid...